ZIP Code 48761 — undefined, MI Demographics & Data

ZIP code 48761 covers MI in Ogemaw County with a population of about 804.

At a glance, the area shows median age of 65.2 versus a U.S. median of about 38.9.

It sits in telephone area code 989; U.S. House district MI-1; the FLINT - SAGINAW - BAY CITY media market.

MI reads as a military / base-oriented community on US5’s intent model (elevated veteran share (22.9%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 48761 is about $44,647 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.6%; unemployment rate near 8.1%; 11.0% of adults with a bachelor’s degree or higher (about 22.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 12.3% of workers reporting work-from-home (about 2.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $113,000 — about 68% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.8% (about 21.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48761 in MI, a household would need roughly $31,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $726. That sits below the local median household income ($44,647), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for MI as Very Low (composite score 37.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (61.4) and flood (43.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for MI show little to no average snow and around 32.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 31 for ZIP 48761 (MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.